Development
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 8.9. Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Very Weak (1.0) profitability.
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (8.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (38%), consumer loans (18%), other (44%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
5505 Arapahoe Avenue
Boulder, CO 80303
Boulder, CO 80303
Phone Number
(303) 657-7000
NCUA Charter Number
Website
Largest Competitors
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